One payment card fee limit would go up as prices rise. The Federal Reserve would update it each year using the Consumer Price Index, a common measure of inflation.
Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Community Bank Relief Act is a Senate bill committee Action. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on S. 3849: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: This bill mainly affects community banks, card issuers, payment networks, merchants, and people who pay with cards. Banks and card issuers may see a fee-related limit rise over time. Merchants could face different card payment costs if the updated limit changes how fees apply. Consumers could be affected indirectly if those costs show up in prices, but the bill does not say that would happen.
Why this matters: A dollar limit written years ago can lose its real value when prices rise. This bill would tie one payment card fee limit to inflation so it changes over time instead of staying fixed. That could help banks and card issuers under the fee rules. It could also raise costs for merchants or consumers if higher limits lead to higher fees, but the bill does not state the final price effect.
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Officially: Community Bank Relief Act
One payment card fee limit would go up as prices rise. The Federal Reserve would update it each year using the Consumer Price Index, a common measure of inflation.
Use this page to support, oppose, or ask Congress to amend S3849. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (2/11/2026)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
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This page gives you an opportunity to support, oppose, or ask for changes to Community Bank Relief Act, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it does, where it is in the process (Committee Action), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around S3849, your stance, and the reasons you choose, then lets you edit and send when ready.
